Heartwood Wealth Advisors, LLC

Heartwood Wealth Advisors is a federally Registered Investment Adviser founded in 2013 in Virginia. The firm specializes in providing portfolio management, financial planning, and retirement plan consulting services to high net worth individuals, families, employer-sponsored qualified plans, businesses, trusts, and foundations. Their investment strategy aims to preserve capital, grow wealth over market cycles, minimize expenses, and maximize tax efficiency. Heartwood offers tailored wealth management services, including retirement planning, estate planning, philanthropic planning, liability management, and tax advice. The firm acts as a fiduciary for retirement accounts, ensuring advice is in the client's best interest. Heartwood does not offer a wrap fee program and charges an aggregated fee, not exceeding 1.5% of assets under management, for individual portfolio management services. The firm uses BNY Pershing as a custodian and does not receive commissions from brokerage services. Heartwood manages accounts on a discretionary basis, with clients granting complete discretion for investment decisions. The firm emphasizes transparency, client collaboration, and accountability in its independent practice.